Buy To Let Calculator

RESULTS

As Now Transitional Rules New Rules
2016/17 2017/18 2018/19 2019/20 2020/21
Rental Income
Running Costs
Mortgage Interest
Deductible Mortgage Interest
Taxable Rental Income
Tax on Rental Income
Mortgage Interest Relief
Tax Due on Rental Income
Net Profit/Loss after Tax

TAXATION & PROFITABILITY

TAX BAND

2016/17 2017/18 2018/19 2019/20 2020/21

GENERAL ASSUMPTIONS

  1. The above illustrations are indicative and don't cover all possible scenarios.Your circumstances will determine your total tax liability.
  2. Rental income and mortgage costs remain the same over time. Mortgage payments are calculated on an interest only basis.
  3. In some circumstances, losses may be carried over to subsequent tax years, this calculator doesn't take account of losses.
  4. As tax is paid in arrears, this calculator isn't representative of cash flow.
  5. Additional fees, including Early Repayment Charges(ERCs), may apply.

TAX BAND ASSUMPTIONS (ALL YEARS)

0% Threshold £11,000
20% Threshold £43,000
40% Threshold £150,000
45% Threshold Over £150,000

LEGAL COPY

The value of tax reliefs depends on your individual circumstances. Tax laws can change. The Financial Conduct Authority does not regulate tax advice.
No responsibility can be accepted for any loss as a result of acts or omissions taken in respect of use of this calculator.
Thresholds, rates and tax legislation may change in subsequent Finance Acts. Levels, bases of and reliefs from taxation are subject to change and depend on individual circumstances.
These calculators provide examples to help with budgeting and not to choose a mortgage.

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

© Private Finance Limited, 2020. Private Finance provides independent mortgage advice and arranges individual mortgage solutions for clients. Private Finance is a trading style of Private Finance Ltd, 29 Lincolns Inn Fields, London, WC2A 3EG, registered in England no. 3855776 and its Appointed Representatives. Private Finance Limited is authorised and regulated by the Financial Conduct Authority (FCA registration number 310566).

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It has been a pleasure to work with Edward, Conor and Donovan. While my mortgage application was caught in the middle of the Covid-19 crisis, they eventually found a way to navigate through the challenges and eventually deliver. I would highly recommend them.
I am a first time buyer and was in need of a mortgage offer quickly so the seller would retract their property from the market. James McCudden, Alex Aiton and Halcyon Griffith assisted me and were as knowledgable as they were expeditious. I had the mortgage offer within 2 weeks and was able to confirm the offer to the seller so I could secure the agreement to purchase. I would certainly recommend the guys above and Private Finance Ltd for expert and efficient mortgage advice.
Thanks to Edward and Donovan for being incredibly helpful in our remortgaging process. They were responsive, straightforward and available for any questions we had. The process was seamless!
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